Whether it is opioids or stimulants, benzos or alcohol, substance abuse is a national health crisis plaguing millions of people in the U.S. every year. The stigma often associated with addiction is often a barrier to why many people never seek the professional treatment they need. The New York Times has reported that only a fraction of those with substance abuse problems ever get help. Many obstacles confront those who want to better their lives.

Forced treatment is an avenue that is not successful in many cases, but individuals who are ready to make the change in their lives have a better chance of succeeding. Those who have no intention of getting help and deny having a problem can be encouraged by their families to overcome this hurdle, but is often one of the hardest to overcome.

As mentioned above, stigma is a reason why addiction treatment is not sought out. It may seem embarrassing that your friends can drink, but you took it a step further. Fortunately, we live in a more accepting culture about getting the help our mental health requires. Athletes such as Kevin Love have come out expressing the importance of taking care of your mental health. While they may have been referring to mental health disorders like anxiety, addiction is driven by mental health disorders like anxiety and depression. Advocates who hold positions of power who speak at center stage to rid a stigma can help those suffering immensely.

One of the main objectives people will use to deny help is the cost associated with treatment. This is a fair reason due to the skyrocketing costs of medical care and treatments that may be involved. The problem, however, is that sacrificing your health and well-being should count for something. Addiction can spread into your everyday life causing a loss of a marriage, decreased performance in your career obligations, and other medical bills that could later be associated with the addiction. Addiction can threaten your life in a variety of ways that could end up costing more in the long run.

The expense one may incur by choosing life and treatment should never be the primary deterrent from getting help. As of late, insurance companies have begun accepting substance use disorders as legitimate and treatable diseases. Most insurance companies offer coverage for drug and alcohol addictions. There are financing options available as well, but there are things you should know about the options readily available for you.

What to Know About Substance Abuse Insurance Coverage

Addiction has finally been treated with the respect it has lacked for many years. Physicians and the medical community have finally recognized it as a chronic disease like asthma that can be treated. After this determination, insurance companies began to follow suit offering coverage for everything from addiction treatment, mental health services, and counseling. Individual policies will dictate the precise coverage and what they will pay out, but you will still be responsible for some out of pocket expenses if they do not cover certain treatments. To get more information, contact your insurance company.

The more prominent insurance companies in the community have established relationships with some treatment centers. If the treatment center you have researched and feel can adequately meet your needs is “in-network,” it means it has an established relationship with the insurance company. Insurance companies consider many factors to determine the eligibility of a center, including:

  • The type of treatment provided
  • If the facility is in state or out of state
  • The treatment center’s track record and reputation
  • If the facility is publicly or privately funded

Two basic categories when it comes to what addiction treatment services provide are evidence-based therapies and alternative therapies. Evidence-based therapy is a type of treatment that has been researched in depth with a proven track record with a high level of success. While it is necessary to note that no treatment is 100 percent effective 100 percent of the time, some treatments have higher success rates than others. Treatment should always be based on evidence-based options. An insurance company will be less likely to cover programs that use alternative therapies.

Public Insurance

If you don’t have insurance, there are still options available to you. The government offers federally funded options that guide you in seeking the treatment you require. The Affordable Care Act offers an alternative solution that sometimes is easier and more affordable than private insurance options. It must be mentioned that privately funded addiction treatment centers do not accept federal insurance options. Always check your options first.

Participating in the bureaucratic process means there are a lot more hurdles to get through for publicly funded insurance to be approved. While your options may be more limited, you must do your due diligence and investigate to see what can be done. If you have decided that you require treatment, you must continue digging to find available options. You also must find a specific policy that will cover your unique needs.

Private Insurance

Private insurance offers many more options when it comes to picking the treatment of your choice. Public options will not be as flexible because they will not have relationships with treatment centers as private carriers will. Treatment centers such as Arete Recovery have a group of dedicated staff that determine what kind of coverage you will have for treatment. In instances of private insurance, you can be in treatment within 24 hours of the initial application.

This type of insurance will vary in the type of coverage offered for therapies and treatment. While one plan will include medical detox, another may not. You must do research and find out what is covered before accepting terms to enter treatment. Being aware before entry will be your best weapon. It must be noted, however, that most private insurance companies offer some coverage for addiction treatment at accredited facilities.

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